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Only ever posted on here once but starting to get my debts in order so starting a diary to try and keep me on track.

Basically since the beginning of 2010 ive really started to think positive about reducing my credit.
This included starting a spending diary which I have totted up February today and I can tell you I am throughly shocked!!

Joined whatsthecost.com today and snowballed which told me I will be debt free in 100 years ! Well im sure I wont even be alive at which point and dont really want to live me life like this, teetering from one month to the next and juggling things around!

So here I am!

I have a loan with HSBC that will be paid off in Feb 2012. That is the biggy and costs me £353 per month!
Once this is paid off I will be throwing this money at the credit cards to hopefully get debt free by Dec 2014.

We are back from Mr T's and the farmshop and I am incredibly pleased that we stuck to our list and came under budget in both . I had a word with the girls whilst driving there as they are monkeys for wanting this and that (probably like most kids!) I told them weve lots to pay out in the next month including DD and DH's birthday and then the MOT so they needed to help me! It worked and they didn't ask for a single thing ha! We will be going to Mr Al's tomorrow for the main shop so I will let them chose a yoghurt or something for after their tea which won't break the budget!

£17.60 out of £20 in Mr T's
£6.99 out of £10 in farmshop on sausages and pastys

I need to go and get some washing out of the drier. Will get this ironed and put straight away. Need to put another load into the drier which is mainly pjs so won't need ironing.

Might not get back on tonight so here's my positives/MSE things from today:
* used up change in my purse in Mr T's by going self serve
* came £5.41 under budget on my shopping
* transferred £6.24 from Qm33 to cover some of my January shortfall
* made 53p on Qm33 today and 15p on onepoll

Back to work tomorrow, girls not back until Thursday so going to MIL.
Tomorrow its going to be Mr Al's shopping day. I would usually do this Thursday but since we are pretty much going past there on way back from MIL's going to do it tomorrow. Thursday can be NSD2.

We are back from Mr T's and the farmshop and I am incredibly pleased that we stuck to our list and came under budget in both . I had a word with the girls whilst driving there as they are monkeys for wanting this and that (probably like most kids!) I told them weve lots to pay out in the next month including DD and DH's birthday and then the MOT so they needed to help me! It worked and they didn't ask for a single thing ha! We will be going to Mr Al's tomorrow for the main shop so I will let them chose a yoghurt or something for after their tea which won't break the budget!

£17.60 out of £20 in Mr T's
£6.99 out of £10 in farmshop on sausages and pastys

I need to go and get some washing out of the drier. Will get this ironed and put straight away. Need to put another load into the drier which is mainly pjs so won't need ironing.

Might not get back on tonight so here's my positives/MSE things from today:
* used up change in my purse in Mr T's by going self serve
* came £5.41 under budget on my shopping
* transferred £6.24 from Qm33 to cover some of my January shortfall
* made 53p on Qm33 today and 15p on onepoll

Back to work tomorrow, girls not back until Thursday so going to MIL.
Tomorrow its going to be Mr Al's shopping day. I would usually do this Thursday but since we are pretty much going past there on way back from MIL's going to do it tomorrow. Thursday can be NSD2.

First day back at work done! I actually feel as though I had about 2 minutes sleep with the horrendous storm we had overnight, don't feel too bad considering but looking forward to a decent sleep tonight!

Girls have been to MIL today and they are back at school tomorrow.

We went to Mr Al's and over spent by £3.35 . All things were needed bar a chocolate mousse each for the girls and some noodles which came to £1.27. Lots of nice fresh food though including chicken breasts for the week ahead which isn't bad for £43.35. I did know I was pushing it with £40 as it was

HHOD, I don't have a target as such as I just let the DD's go up. £216 goes out a month, could pay more but having a life aswell and aslong as the debt isn't going up this is good enough for me. Having said that 8 years in it could have totally been paid off by now!

Just popping on to report that I've made 53p on Qm33 today taking my total to £1.03 and 10p on 0nepoll taking my total to £10.10. I do get a bit slack with surveys when I'm back at work so just trying to get on once a day to clear any I may have.

Phew the working week (even if it is just 3 days!) done!! Feeling really good today and even woke up before my alarm which happens about once a year!!

Just been on and been screened out of 3 surveys so no extra money earnt as yet today. Will try again later.

HHOD, I'm feeling really good at the moment and I know the eating and exercise is playing a part in that. I just need to try and remind myself of this when I'm being bad, eating !!!! and not going to the gym. Glad you're eating well too. Do you drink lots of water? Im quite good at that but I always try drink a bit more when I'm on it!!!

Does anyone recommend those actimel drinks? Ive never bothered with them but have been looking into them as I always feel like I need an extra boost health wise. They're on offer at Mr T's at the mo.

DH's turn to fall asleep on the sofa tonight . Thought id pop back in to keep up to date!
Just had to confiscate DD's iPad which she had taken to bed with her! She's a monkey for doing this but we always forget to take it off her.

I got 4 portions of soup for lunches so they are now in the freezer for 2 days next week and week after.

Also had to edit my signature as I've only had 3 NSD not 4 mentioned earlier on! xx

Be mindful of your self-talk. It's a conversation with the Universe."Debt free and saving for my futureLong term savings £10,000 Holiday spends £349.02 General savings £160.24Clothes challenge £250/£36.63

Well I have been busy this morning! Been out to DD's dancing then cracked on preparing for tonights tea by boiling some rice (its for fried rice and always works better when dried out a bit), roasted the chicken for the curry and made some biscuits. We then cracked on with the cleaning, house is now sparkling again .

DH has announced he would like to do something tomorrow so we have agreed on a cute little town about 30 mins from here as they have a park and lots of nice cafes. Today was going to be a spend day but I've decided to combine all my things into tomorrow and make today a NSD and tomorrow a SD.

Have just made 48p on Qm33 taking my total to £2.78, was screened out of 2 on 0nepoll so still at £10.10.

So positives for today:
* nice tidy and clean house for the weekend
* used a galaxy bar out of my selection box for chocolate chips for the shortbread biscuits, no need for extra spends
* NSD4 of 12 today

Thats about all for now, need to go and catch up with my ironing shortly . Happy Saturday all xx

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